1212 Whispering Hills Ct APT 1ANapervilleIL60540
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 1212 Whispering Hills Ct APT 1A, Naperville, IL, 60540 in Naperville is the 1.78 coverage ratio: rent of $1,502/mo versus a $845/mo debt payment on a $188,000 property. Rental yield 9.59%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $51,941 by year five, with $1,732/yr in equity from paydown. Total projected cumulative return: $66,714.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.1% |
| Monthly Cash Flow | $(102) | $1,850 |
City averages based on Naperville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,502 |
| Total Monthly Debt Service | $1,529 |
| DSCR Ratio | 0.98x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1980
N/A lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60540, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,402 (100%) |
| Owner Occupied HU | 12,230 (74.6%) |
| Renter Occupied HU | 3,465 (21.1%) |
| Vacant Housing Units | 707 ( 4.3%) |
| Median Home Value | $518,057 |
| Average Home Value | $607,374 |
Housing Distribution
Address Breakdown
Residential
16,383
Single Family
14,125
Multi-Family
2,258
Businesses
1,451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Condo
Built in 1980
N/A lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 60540, Naperville, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,402 (100%) |
| Owner Occupied HU | 12,230 (74.6%) |
| Renter Occupied HU | 3,465 (21.1%) |
| Vacant Housing Units | 707 ( 4.3%) |
| Median Home Value | $518,057 |
| Average Home Value | $607,374 |
Housing Distribution
Address Breakdown
Residential
16,383
Single Family
14,125
Multi-Family
2,258
Businesses
1,451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Crisa Barriball • @properties Christie's International Real Estate
Mls Name: MRED as distributed by MLS GRID
Mls Provider:
Mls ID: #12300522
Disclaimer: Based on information submitted to the MLS GRID as of 2025. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#17)